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This software is protected by copyright and is being licensed to you to use and display solely for your personal use. You may not transfer or distribute the Software to anyone else by any means, including by posting it on the Internet. Except for one backup copy, you may not copy the Software or documentation. You may not reverse engineer, disassemble, decompile, modify, adapt, translate, or create derivative works of the Software or documentation. You may be held legally responsible for any unlawful copying or transfer.

The Software media is distributed on an "AS IS" basis, without warranty. Neither the author, licensor, or publisher makes any representation, either express or implied, with respect to the Software, its quality, accuracy, fitness for a specific purpose or merchantability. Neither the author, licensor, or publisher has any liability to you or any other person with respect to any loss or damage caused or alleged to have been caused by the Software including, but not limited to direct, indirect, incidental and consequential damages, personal injury, wrongful death, lost profits, or damages resulting from lost data, loss of service or business interruption. This limitation may not be binding in your state.

The document mentioned on page 42 was removed when the Society of Actuaries study notes were expanded to include similar material. This document can be found under the Exam FM study notes section of the SOA website or by clicking the link.

By Downloading this file, you accept and agree to the terms and conditions printed below. If you do not agree, do not download this file and immediately return the package with a copy of your receipt for a full refund.

This software is protected by copyright and is being licensed to you to use and display solely for your personal use. You may not transfer or distribute the Software to anyone else by any means, including by posting it on the Internet. Except for one backup copy, you may not copy the Software or documentation. You may not reverse engineer, disassemble, decompile, modify, adapt, translate, or create derivative works of the Software or documentation. You may be held legally responsible for any unlawful copying or transfer.

The Software media is distributed on an "AS IS" basis, without warranty. Neither the author, licensor, or publisher makes any representation, either express or implied, with respect to the Software, its quality, accuracy, fitness for a specific purpose or merchantability. Neither the author, licensor, or publisher has any liability to you or any other person with respect to any loss or damage caused or alleged to have been caused by the Software including, but not limited to direct, indirect, incidental and consequential damages, personal injury, wrongful death, lost profits, or damages resulting from lost data, loss of service or business interruption. This limitation may not be binding in your state.

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